What is a Certificate of Insurance?

A Certificate of Insurance is a document issued by an insurance company to provide evidence of insurance and information on specific insurance coverage. The Certificate usually includes the name of the insured, information on types and limits of coverage, and policy numbers and effective dates. Certificates are usually requested by an agreement, contract, or transaction to make certain each party has the appropriate insurance coverage.

Certificates Issued for the College

As part of their job responsibilities, employees may be asked for the College’s Certificate of Insurance to satisfy a contract requirement (e.g. rental venue contract). Complete the Request for Issuance of CoI form and e-mail the completed request to insurance_certificates@lafayette.edu. It is also helpful to provide electronic copies of the insurance paragraphs of the contract requiring the Certificate when sending the Request form.

Certificates Issued to the College

To manage liability exposures, the College requires that parties using College facilities and companies working for the College or present on the College’s campus provide a Certificate of Insurance. Such parties include, but are not limited to the following.

Third Party Using College Facilities

A Certificate of Insurance evidencing a minimum of $1,000,000 bodily injury and property damage combined liability limit per occurrence from the third party’s insurance agent must be provided to Lafayette College by e-mail at insurance_certificates@lafayette.edu or by mail addressed to the Scheduling Office, 730 Sullivan Road, 014 Marquis Hall, Easton, PA 18042. Lafayette College must be named as an Additional Insured on the General Liability policy. The Certificate must specifically state that the Third Party’s insurer acknowledges that the College’s coverage as an Additional Insured includes the defense and indemnification for claims and damages against Lafayette on a primary basis.

This Certificate must clearly show that the coverage period includes the date(s) of the third party’s event. If the event includes participation by minors (i.e. summer camps), the Certificate must clearly state that sexual abuse and molestation coverage is included in the policy.

Vendors Providing Goods & Services to the College

To allow for a Vendor providing goods & services, particularly food and transportation, to be paid, the Vendor’s insurance company must provide a Certificate of Insurance to Lafayette College complying with the following requirements by e-mail to certificates@lafayette.edu or by mail addressed to Procurement Office, 730 Sullivan Road, 030 Marquis Hall, Easton, PA 18042 that reflect the following coverages:

1) General liability insurance with a minimum combined single limit of:

o $1,000,000 Each Occurrence for contracts/purchase orders valued at less than $1,000,000.

o $5,000,000 Each Occurrence for contracts/purchase orders valued at greater than $5,000,000.

Lafayette College must be named as an Additional Insured on the General Liability policy. The Certificate must specifically state that the Vendor’s insurer acknowledges that the College’s coverage as an Additional Insured includes the defense and indemnification for claims and damages against Lafayette on a primary basis.

2) Automobile property and liability insurance coverage; and

3) Workers Compensation (WC) and Employers’ Liability stating that the WC Statutory Limits have been met by your policy. Either the WC Statutory Limits box must be checked or “Complies with PA Statutory Limits” must be specifically stated.

Contractors

The Contractor’s insurance company must provide Certificate of Insurance to Lafayette College complying with the following requirements by e-mail to certificates@lafayette.edu or by mail addressed to Facilities Operations, 901 Bushkill Drive, Easton, PA 18042 that reflect the following coverages:

General liability insurance with a minimum combined single limit of:

$1,000,000 Each Occurrence for contracts valued at less than $1,000,000.

$5,000,000 Each Occurrence for contracts valued at greater than $5,000,000.

$10,000,000 Each Occurrence for contracts valued at greater than $10,000,000.

Lafayette College must be named as an Additional Insured on the General Liability policy. The Certificate must specifically state that the Contractor’s insurer acknowledges that the College’s coverage as an Additional Insured includes the defense and indemnification for claims and damages against Lafayette on a primary basis.

In addition, evidence that the “Additional Insured – Owners, Lessees or Contractors Completed Operations” form (Form CG2037 10 01 or its equivalent) covering Lafayette College in the next two renewals must be documented;

Automobile property and liability insurance coverage; and

Workers Compensation (WC) and Employers’ Liability stating that the WC Statutory Limits have been met by your policy. Either the WC Statutory Limits box must be checked or “Complies with PA Statutory Limits” must be specifically stated.